What is Florida’s 14-Day PIP Rule? | What To Do After An Accident In Jacksonville

Will Florida’s PIP insurance cover your medical issues?

If you’re a Florida driver, you might have become aware of the 14-day policy.

Under Florida’s no-fault system, you have 14 days to seek clinical attention after an automobile accident.

The moment after you have passed this date your demand to make a claim for compensation via your no-fault, personal injury defense insurance policy is lost. All Florida motorists ought to understand and see an accident doctor within the 14-day rule so that they can make the most of their accident protection (PIP) advantages. Our competent Tampa bay car mishap lawyers talk about the Florida 14-day guideline.

What Is the 14-Day Policy?

The 14-day guideline is  needed so that you can seek medical/clinical attention within 14 days after an automobile crash in Florida. If you do not go to a medical professional or otherwise obtain medical care within 2 weeks of the crash, you can’t file a PIP insurance coverage claim. Even if you have physical injuries, the 14-day rule states that to get settlement for your medical costs, you should first obtain clinical focus review within 14 days of when the accident occurs.

Why Does the 14-Day Policy Exist?

The 14-day guideline exists for two reasons:

  • First, waiting to obtain medical interest can make an injury even worse.
    • The faster you obtain specialist clinical treatment, the faster you can reduce your injuries as well as avoid complications.
  • Second, showing the nexus in between the mishap and your injuries is an important part of making an insurance policy case. When you obtain clinical therapy right now, the web link between the car accident as well as your injuries is clear. The 14-day policy exists to help car mishap victims obtain the treatment they require as well as to make sure that accident claims stand as well as accurate.


The length of time Do You Need To File a PIP Insurance Claim in Florida?

How long you need to submit a PIP case in Florida depends on the regards to your insurance policy agreement. For the most part, the insurer provides you a considerable period of time to submit the claim. Nevertheless, there are a couple of things that you need to do rapidly for your case to succeed.

Initially, the cops must react to the scene, or you need to finish a police mishap record within 10 days of the crash. Second, you must seek clinical interest within 14 days of the mishap. As soon as you’ve done both of those points, for how long you need to submit a PIP claim in Florida depends upon what’s mentioned in your insurance contract.

Do I Required Immediate Medical Interest After an Accident?

Yes, you require prompt medical focus after a crash. When adrenaline is running high after an accident, you might have serious injuries that you don’t recognize. It’s important to get clinical attention swiftly to address your injuries as well as mitigate problems.

Furthermore, you need to establish that your injuries are an outcome of the accident. Looking for medical care aids verify that you obtained the injuries as a result of the crash. Immediate clinical focus assists you shield on your own and also your legal rights after a crash.

Obtaining Clinical Care After a Florida Car Mishap

Florida law 627.726 [1] develops the guidelines for obtaining medical care after a cars and truck crash. The regulation states that the insurer must supply payment under the insurance arrangement with a vehicle driver as long as the victim obtains preliminary clinical solutions and care within 2 week of the mishap. You can obtain treatment from any one of the following:

  • Medical care doctor
  • Expert doctor
  • Dentist
  • Chiropractic physician
  • Clinical services supplied in a hospital
  • Immediate care
  • Emergency clinic
  • Outpatient center run by a hospital
  • Emergency medical technicians (emergency transport and management).

If you seek treatment within the required time limits, the insurer must cover 80 percent of your clinically required care as much as the limits of the insurance plan. For individuals with the minimum insurance policy restrictions, they compensate to $10,000 for clinical expenses if you have an emergency medical condition. If you don’t have an emergency clinical condition, you can receive up to $2,500 for expenses connected to your healthcare. Keep in mind to take a look at your own insurance coverage limitations. Your insurance limitations may be higher than the minimum.

Florida Legislation 395.002( 8) as well as Emergency Situation Medical Issues.
Florida regulation 395.002( 8) [2] specifies an emergency situation medical condition as a medical condition with intense symptoms. The condition calls for treatment to stop endangering wellness and also well-being. It may create the impairment of a significant physical feature or disorder of any type of body organ or body component. If you fulfill the certifications under Florida law 395.002( 8) for an emergency situation medical condition, the minimum of $10,000 relates to cover your clinical treatment.

Time Deadline to Submit a PIP Legal Action Versus the Insurance Provider.

When you file a PIP insurance policy case in Florida, the insurer need to process the insurance claim and also pay you fairly. However what happens when they do not? What takes place if they don’t pay you in any way? What takes place if they don’t pay you the quantity that you deserve under the agreement?

If your insurance provider doesn’t pay you fairly, you have the option to bring a claim against your very own insurance provider. Basically, your insurance claim is a claim to enforce the agreement between you and also the insurance provider. In Florida, the statute of restrictions for breach of contract is five years. The moment restriction is provided in Florida law 95.11( 2 )( b). When the insurance company does not pay you rather, as well as you have actually done everything that you were meant to do to make the insurance claim, you can bring a suit to need your very own insurance provider to honor the contract.

How much time After an Auto Crash Claim Can You Declare Injury in Florida?

You can assert injury after a car mishap in Florida for 14 days. For small injuries, you have 2 week to look for healthcare. If you don’t obtain medical treatment within 2 week of the mishap, you can no more declare injury. When you have serious injuries that may trigger a third-party claim, you have four years from the date of the crash to claim injury by launching your legal action for compensation.

Call our Jacksonville Auto Accident Care Specialist Today.
Have you been in a car crash?

Do you have inquiries concerning the 14-day guideline?

Contact our friendly office today for the care you need. Conveniently located on Jacksonville Southside near butler.

East Coast Injury Clinic
9889 Gate Parkway N, Suite 305
Jacksonville, FL 32246
Phone: (904) 513-3954




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[1] FLA. STAT. § 627.726 (2019)

[2] FLA. STAT. § 395.002(8) (2019)

[3] FLA. STAT. § 95.11(2)(b) (2019)